Credit Management Accountant

About this job

Job in a Nutshell
Reporting to the Head of Revenue Assurance and Risk Management work collaboratively within a challenging and fast paced environment to position credit management as an enabler of business success and a positive customer experience.

The Role Involves
Working with the business to refine credit risk management practices to enable business success whilst delivering a positive customer experience
Assess and understand the end to end impact that credit management practices have on the customer experience and on business performance
As required, report to management on the performance of credit management practices including scorecards
Be responsible for assessing credit risk for all products and services, implementing management controls and reporting risk performance to management
Equip management with tangible credit risk performance indicators that quantify risk exposure
Working with the credit management team in Mumbai to design and implement processes for the effective assessment and management of credit escalations
Partner with the business in setting up and monitoring early warning key risk indicators
Work within the Revenue Assurance and Risk Management (RARM) team to manage all aspects of customer risks including consumer and business customers
Within the context of credit management, manage the performance of third parties working on 3's behalf including credit bureaux
Keep up to date with factors that influence the external risk environment and translate these into tangible business impacts
Represent RARM as required, on cross functional projects within the business
Understand and introduce credit management best practices from other markets and industries
Be responsible for the policies, procedures and controls necessary for the effective management of credit risk
Operate a programme of continuous improvement within the credit risk area through regular in-depth reviews of the credit risk portfolio
As a stakeholder participate in the bad debt provisioning process
Maintain an in-depth knowledge of 3's product portfolio with special emphasis on risk
On an ongoing basis work to transfer knowledge and learnings within the RARM team and wider business
Occasional international travel is a requirement
Any additional tasks as maybe reasonably required from time to time

Essential Skills Required
Proven track record of success in utilising a collaborative approach to finding solutions to credit risk problems
Ability to critically evaluate and interpret complex information gathered from multiple sources and translate it into tangible business and customer impacts
Significant experience of credit management in a mass consumer technology based service industry
Strong knowledge of financial statements including a firm understanding of how to use these to assess credit risk
Fully qualified and experienced accountant
A proven ability to influence a wide variety of stakeholders utilising different styles
Excellent verbal and written communications skills

Personal Characteristics
An effective communicator comfortable working at all levels; detail, summary and executive
Ability to quickly get to the root cause of an issue in a collaborative environment
Delivery, objective and outcome focused
Passionate about delivering an excellent customer experience
A self starter comfortable working on their own initiative
A valued and trusted business partner who is an effective influencer across the business
A team player
Excellent numeracy skills and comfortable with data
Ability to translate data into tangible business impacts and focus stakeholders on facts based decisions
Comfortable with change and working in a fast paced and challenging environment
Passionate about excellence; not afraid to challenge the status quo and/or suggest new ideas

Desirable Skills
Knowledge of Mobile Telecommunications systems and processes
Experience in using SAS an advantage
Professionally trained in a formal Project Management discipline such as PRINCE2
Process and/or quality improvement qualification an advantage e.g. six sigma